Citizens National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q2 2026 and Q3 2026 was in Net interest margin, which fell 0.20 percentage points to 3.86%. Citizens National Bank ranks 215th of 345 Texas banks on net interest margin, in the lower half at 3.86% (Q3 2026). At 3.86%, Citizens National Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 6.75% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.65% |
| Cost of interest-bearing deposits | 1.13% |
| Cost of interest-bearing liabilities | 1.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $634K |
| Total interest expense | $164K |
| Interest expense on deposits | $164K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.69% | 0.33% | 4.38% | 6.79% | 2.54% |
| Q1 2024 | 4.65% | 0.40% | 4.28% | 6.90% | 2.40% |
| Q2 2024 | 4.84% | 0.38% | 4.49% | 7.11% | 2.46% |
| Q3 2024 | 4.89% | 0.31% | 4.60% | 7.27% | 2.49% |
| Q4 2024 | 4.68% | 0.31% | 4.39% | 6.98% | 2.49% |
| Q1 2025 | 4.60% | 0.39% | 4.24% | 7.12% | 2.64% |
| Q2 2025 | 4.62% | 0.37% | 4.28% | 6.98% | 2.77% |
| Q3 2025 | 4.55% | 0.34% | 4.23% | 6.95% | 2.70% |
| Q4 2025 | 4.48% | 0.36% | 4.15% | 6.75% | 2.70% |
| Q1 2026 | 4.47% | 0.45% | 4.05% | 6.91% | 2.71% |
| Q2 2026 | 4.53% | 0.50% | 4.06% | 6.67% | 2.89% |
| Q3 2026 | 4.46% | 0.65% | 3.86% | 6.75% | 3.00% |
Citizens National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24085) · FFIEC NIC profile (RSSD 700252)